Commercial Insurance ·
Lawyers
Insurance Built for the Way Law Firms Actually Work
Specialized coverage for professional liability, cyber risk, and every exposure in between, from a Pittsburgh-based law firm insurance broker serving legal practices across Western PA and the Mid-Atlantic region for over 100 years.
Your risk profile isn't standard. Neither is our approach.
Serving law firms across Pittsburgh, Western PA, and the Mid-Atlantic region.
Why This Requires Expertise
Law Firms Carry a Concentration of Exposures No General Commercial Policy Was Built to Handle
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Understanding what insurance a law firm needs starts with recognizing that legal practices stack exposures in ways most commercial programs were never designed to address together. Professional liability, including tail coverage for departing or retiring attorneys, sits at the center, but it does not stand alone. Client data obligations create cyber liability exposure that rivals financial services firms in severity. A single partner dispute or wrongful termination allegation can trigger employment practices liability claims that dwarf the underlying premium. And for any firm billing at the rates that define middle-market and Am Law–ranked practices, business interruption is not a theoretical risk. It is a revenue event measured in hours, not days.
The specific risk categories that distinguish law firm insurance from standard commercial coverage include:
- Professional liability (errors & omissions): including prior acts coverage and tail endorsements for attorney transitions
- Cyber liability: covering client data breaches, ransomware, and regulatory notification obligations under Pennsylvania law
- Employment practices liability (EPLI): for partner disputes, associate claims, and staff employment actions
- Directors & officers liability: relevant for law firms structured as LLPs or professional corporations with governance obligations
- Business interruption: calibrated to the revenue intensity of a billable-hour practice
- Commercial property: protecting office buildouts, technology infrastructure, and physical assets
Law firm insurance requirements in Pennsylvania add a further layer of complexity: state bar rules, trust account obligations, and evolving data privacy regulations mean that a broker without deep professional services experience will consistently underplace coverage, leaving the firm exposed precisely where its risk is highest. Malpractice tail coverage for attorneys, in particular, requires a broker who understands how professional liability policies respond at the moment of attorney departure, retirement, or firm dissolution, and who has the carrier relationships to negotiate favorable tail terms before those events occur, not after.
What We Cover
Coverage Across the Full Law Firm Risk Profile
Get an Expert Review of Your Current Program.
Our Approach
We Work the Way a Good Risk Counsel Would: Before, During, and After the Policy
Independent Advocacy, Not Carrier Allegiance
As an independent law firm insurance broker, Simpson | McCrady has no obligation to any single carrier, only to you. That independence matters when you are renewing a professional liability program, negotiating tail terms for a departing partner, or responding to a mid-term claim. We access the full market, present options with clear analysis, and advocate for placement terms that reflect how your firm actually operates, not how a carrier's underwriting template assumes you do. For law firms in Pittsburgh and across Western PA, that means working with an advisor who knows the regional market, understands carrier appetite for Pennsylvania-domiciled professional services risks, and has direct relationships with the underwriters making decisions on your account. When Marsh or Gallagher routes your renewal through a national queue, we pick up the phone.
Risk Assessment Built Around Your Practice
Our process begins with a structured review of your firm's coverage position across all lines: professional liability, cyber, EPLI, D&O, property, and umbrella. We map existing coverage against the exposures your practice actually carries: the practice areas you serve, the clients you represent, the data environments you maintain, and the employment structure of your firm. Gaps become visible before they become claims. For firms with premiums in the $50,000 to $250,000 range, this level of analysis rarely comes standard at a transactional brokerage. At Simpson | McCrady, it is where every engagement begins.
Ongoing Support Through the Policy Lifecycle
Law firm risk management does not end at policy issuance. Simpson | McCrady provides active policy management throughout the year: handling endorsements, coordinating certificates, preparing renewal submissions, and serving as your first call when a claim arises or a coverage question demands a real answer. Our advisors are reachable, accountable, and personally familiar with your account. That direct relationship, with someone who already knows your firm's risk profile when you call, is precisely what national brokers cannot deliver at scale, and what transactional regional agencies rarely invest in building.
Firm Credentials
The Depth Behind Your Coverage
One straightforward conversation is all it takes to understand where your coverage stands, and where it should be. Protecting Tomorrow Today.
Prefer to call? 412-261-2222 · info@simpson-mccrady.com